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    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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Mortgage arrears barclays


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I have got approximately £4500 mortgage arrears and 6 broken arrangements even though I have informed them when I have broken them as I knew I would and I have been off work this month so broken my last arrangement. The reason for the mtg arrears is due to being I'll when pregnant then my other half leaving me! My last arrangement I have been paying £1089 which was £488 towards my normal payment and the rest off the arrears however barclays wont set another arrangement up for me instead say they will be referring it to some debt management people. I am not sure what to do and don't want my house repossessing but not sure If it's going to happen. I am currently working full time n really struggle making a payment of £1089 but have been since jan 2011. Please advise

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Given your income, you are paying far too much towards the arrears ! no wonder you can't keep it up. I suppose Barclays told you what they wanted you to pay instead of you telling them what you can afford ?

 

You need to write to them encllosing a budget sheet and making an offer of payment you can affiord. I have affixed the budget sheet we normally use, it calculates automatically as you fill it in. If you need help constructing the letter to Barclays, I'll happily draft one for you. Your home won't be repossessed if you can keep up payments and a reasonable amount towards the arrears.

 

Once you have completed the budget sheet come back and let us know how much you have left over each month to pay towards the arrrears.

Budget Sheet.xls

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They have said because of the broken arrangements they will be putting it forward to a debt management company who will visit my house, as the leel of arrears is high and also the high number of broken arrangements.

Barclays said they needed to be paid over a year however will not set anymore arrangements whatsoever even though I wanted to set it for the same amount o start from next month.

I have done a budget previously and genuinely have reason or non payment but the way the senior rep at barclays spoke to me it was clearly stated they would be referring it if I missed this months payment, to which my reply was I would have no way of paying it however could spread it over he remaining six month of the arrangement but the man said no it would be referred.

Thanks

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Well they can say what they want, but you should only pay what you can afford. If they send a debt advisor to your home they will most likely charge you for it, so you need to write them the letter I suggested with your realistic offer of payment, that way if they do take further action you can prove you have tried to come to an arrangement with them. Lenders always want arrears paid over a shorter period of time than is usually practicable but there is no point in saying you will pay a large amount each month if you will struggle to keep it up. If it ever did go to court the judge would only order what you can afford.

 

Have you filled in the budget sheet I affixed to my previous post ?

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I will do that tonight and work everything out, is it likely that my home will get repossessed?

I am worried as I have two young children.

I still have the arrangement in place that will break until the 30th June and they said it would take three weeks for the company to come out, who to be honest I would prefer not coming as my children will be here if I am not at work.

I explained to the colleague at barclays that I know ie had broken arrangments but this one I've paid 5 months required. I did ask them to add it on or extend the term but they also said no.

I feel like I don't have any options left due to violating precious arrangements if that makes sense. However I have always stayed in contact with them to prior warn them if I knew I wouldn't manage to make it. Many thanks again

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I'll draft a letter for you and affix to this thread, once you have done the budget sheet let me know how much you can realistically afford to pay towards the arrears each month in addition to the normal monthly payment. Please don't cut back on essential things just so you can offer a large amount to keep them off your back, much better to offer an amount that you can sustain.

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I think I'm just scared of losing my home hence the reason forthe large payments, I have been cutting back beyond belief on everything to maintain payments. granted I have a car I need and try still to get kids think but hunt on car pots etc. I'm just scared they'll come repossess my house like has now been threatened by barclays

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Hi, I know you're scared and they'll know that too, that's why they take advantage of your fear and demand large payments because they know you'll do amything to keep them happy. They can't "just come and repossess your home", they would have to take you to court first and there is no way a judge would allow repossession of your home when you have an income and can make your mortgage payments plus a bit extra towards the arrears, also you have two children living in your property which makes a big difference.

 

Fill in the budget sheet and then let me know what you can afford.

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Hi I can afford £800 but that leaves me to where I have just enough spare for petrol to get to work so should I ask that I pay less or this doesn't leave any money for kids clothes and to do anything at all, I dont want then to refuse it

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Hi there, I suggest you offer much less - if they refuse it you make the payments anyway and see what they do. If they were to take this to court there is no way the judge would expect you to pay £400 extra per month - he would more than likely halve it !! There is case law which the judge can consider that allows for arrears to be paid over a long peroid of time - even over the remaining life of the mortgage. Barclays will know all about this case law, but will not expect you to know.

 

If you wouldn't mind - could you email your budget sheet to me at [email protected] ? I can then advise what you should be including.

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Hi, yes I have received it and replied.

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Yes, but I can't read it as it is scrambled in the body of the email. Can you attach the file to an email rather than put it in the actual email ?

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Hi there, I haved affixed the letter to go with the budget sheet. Make sure you send by special delivery and keep a copy for yourself. Check on the royalmail website a few days after posting to print off the signature receipt -keep that safe with your copy of the letter in case we need it later.

Joanne1989.doc

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Have you checked if they have signed for it?

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Did the post office not give you a white till receipt ?

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Do you have access to a fax machine ?

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It's ridiculous that the post office gave you no receipt - the whole point of recorded delivery is that you can use the receipt to check that it has been signed for. If you have a spare £5 you could send the letter again by special delivery - that way it is guaranteed to be delivered the next day - but you must insist on a receipt so you can check they sign for it. Do not leave the post office without getting a receipt. Make sure you keep a copy of the letter and budget sheet for yourself.

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